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2nd Discover approved 12k SL

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Frequent Contributor

2nd Discover approved 12k SL

     Just a few data points and info for anyone who is interested. Discover was my first CC when I started my rebuild about 3 years ago. I . graduated from secured (500 limt) to unsecured at about 15 months. When I graduted to unsecured they bumped be to $600. About another year later I asked for CLI and was bumped to $1000. So nothing shocking here. About the same time as the increase to 1k I was given an increase by Amex to 15k. So needless to say I didn't use the Discover too much. However,  I kept it open as it was my oldest CC account and didn't see any reason not to.

 

   Fast forward to today in a much better credit situation, have Exp Fico 8 of 702. I had just closed on my house (which isn't reporting yet) and refinanced my vehicle (which also isn't reporting new account and old closed yet). I had a bit of a balance on my Amex card from things for the new house (around 3k) . Decided to look for a Balance Transfer card with some benefits, was pre-approved on Discover so I applied. Right out of the gate 12k SL.

 

  Discover does seem to be very generous to people who've had a card at least year (and of course made on time payments and used it a bit)

 

Cards and limits now:

 

Capital One QS- $600

Delta Gold Skymiles- 15K

Delta Blue Skymiles(will likely close this as it was open around same time as the Gold, long story)-1K

Capital One Spark Classic- $4K

Discover IT-  $1k

Discover IT BT- $12k

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Valued Member

Re: 2nd Discover approved 12k SL

CONGRATULATIONS!!!!!  Your hard work has paid off!  Great cards, BTW.  $12,000!!!!!  It must feel good -- you deserve it.  

700s club (again)!! New cards as of 7/19
rose-gold-carddelta-skymiles-gold1.v1537547435.pngamex-aspiremarriott-bonvoy-brilliantMsZeUu0neimanmarcus_cardart_flat.pngsaks-card-image0SKQMGF
AMEX PRG - NPSL ; AMEX Delta Gold $11,500; AMEX Delta Reserve $4,700; AMEX Hilton Aspire $4,000 (was an existing HH Diamond earned the hard way for many years); AMEX Bonvoy Brilliant $4,700; DiscoverIT Cashback $9,500; Neiman Marcus card $6,000 starting CL 8/2019; Saks 5th Avenue Store Card $2,250 starting CL 8/2019 & 9/2019 CLI to $6,000 (SP); Capital One Venture CL $9,500; Pre-Approved Capital One Auto Navigator at $30,000 top-tier Prime APR

Older existing cards: Capital Secured Platinum $1,302 (never graduated as C1 halted secured upgrades); US Bank secured $300 (never graduated to unsecured, but going to can before the annual fee).
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Frequent Contributor

Re: 2nd Discover approved 12k SL


@pgtackle2003 wrote:

     Just a few data points and info for anyone who is interested. Discover was my first CC when I started my rebuild about 3 years ago. I . graduated from secured (500 limt) to unsecured at about 15 months. When I graduted to unsecured they bumped be to $600. About another year later I asked for CLI and was bumped to $1000. So nothing shocking here. About the same time as the increase to 1k I was given an increase by Amex to 15k. So needless to say I didn't use the Discover too much. However,  I kept it open as it was my oldest CC account and didn't see any reason not to.

 

   Fast forward to today in a much better credit situation, have Exp Fico 8 of 702. I had just closed on my house (which isn't reporting yet) and refinanced my vehicle (which also isn't reporting new account and old closed yet). I had a bit of a balance on my Amex card from things for the new house (around 3k) . Decided to look for a Balance Transfer card with some benefits, was pre-approved on Discover so I applied. Right out of the gate 12k SL.

 

  Discover does seem to be very generous to people who've had a card at least year (and of course made on time payments and used it a bit)

 

Cards and limits now:

 

Capital One QS- $600

Delta Gold Skymiles- 15K

Delta Blue Skymiles(will likely close this as it was open around same time as the Gold, long story)-1K

Capital One Spark Classic- $4K

Discover IT-  $1k

Discover IT BT- $12k


Congrats on the New House, New Car and New Discover card.istockphoto-862671862-612x612.jpg

Amex Blue Cash $28k
Chase FU $11.2k
BOA Cash Rewards $20k
Comenity BJ's Perks Plus M/C $8k
Cap1 QS $750 (AU), BOA Auto
March. 2020 TU 781, EX 775, EQ 776
INQ 1/6, 1/12, 2/24.......TU-0, EX-2 EQ-2
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Super Contributor

Re: 2nd Discover approved 12k SL

 

Congratulations on your 2nd card!   ..Nice SLSmiley Happy

 

 

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Community Leader
Mega Contributor

Re: 2nd Discover approved 12k SL

Congrats on your house, car, and massive Disco limitSmiley Happy looks like they want to compete with your AmexSmiley Wink
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Valued Contributor

Re: 2nd Discover approved 12k SL

BOOM....You...

Awesome Congratulations GIF by Slanted Studios

CONGRATS  on your 2nd Discover Card approval, the AWESOME SL, and Thanks for the DPs!!!  

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33K | NFCU Flagship VS $15K
Apple Card WEMC $6K | Macy's AMEX $4.5K | PenFed Power Cash Rewards VS $7.5K

TCL - $194K+ | Rebuilding since April 2018
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Valued Contributor

Re: 2nd Discover approved 12k SL

Congrats on your approval and killer SL!!
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Regular Contributor

Re: 2nd Discover approved 12k SL

Congrats on both your house and great limit on the 2nd card!

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Established Contributor

Re: 2nd Discover approved 12k SL

Very nice!

 


AU




Starting Score: 651
Current Score: 687
Goal Score: 751

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Senior Contributor

Re: 2nd Discover approved 12k SL

Congrats on your 2nd Disco approval!





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